diff --git a/executor/plan_replayer.go b/executor/plan_replayer.go
index f8a7ffe90fcca..b8fc52e45071d 100644
--- a/executor/plan_replayer.go
+++ b/executor/plan_replayer.go
@@ -62,6 +62,7 @@ type PlanReplayerCaptureInfo struct {
 type PlanReplayerDumpInfo struct {
 	ExecStmts []ast.StmtNode
 	Analyze   bool
+	StartTS   uint64
 	Path      string
 	File      *os.File
 	FileName  string
@@ -84,6 +85,15 @@ func (e *PlanReplayerExec) Next(ctx context.Context, req *chunk.Chunk) error {
 	if err != nil {
 		return err
 	}
+	// Note:
+	// For the dumping for SQL file case (len(e.DumpInfo.Path) > 0), the DumpInfo.dump() is called in
+	// handleFileTransInConn(), which is after TxnManager.OnTxnEnd(), where we can't access the TxnManager anymore.
+	// So we must fetch the startTS now.
+	startTS, err := sessiontxn.GetTxnManager(e.ctx).GetStmtReadTS()
+	if err != nil {
+		return err
+	}
+	e.DumpInfo.StartTS = startTS
 	if len(e.DumpInfo.Path) > 0 {
 		err = e.prepare()
 		if err != nil {
@@ -163,12 +173,8 @@ func (e *PlanReplayerExec) createFile() error {
 func (e *PlanReplayerDumpInfo) dump(ctx context.Context) (err error) {
 	fileName := e.FileName
 	zf := e.File
-	startTS, err := sessiontxn.GetTxnManager(e.ctx).GetStmtReadTS()
-	if err != nil {
-		return err
-	}
 	task := &domain.PlanReplayerDumpTask{
-		StartTS:     startTS,
+		StartTS:     e.StartTS,
 		FileName:    fileName,
 		Zf:          zf,
 		SessionVars: e.ctx.GetSessionVars(),
diff --git a/server/server_test.go b/server/server_test.go
index 0734b8f4b748d..2e6477d00ff56 100644
--- a/server/server_test.go
+++ b/server/server_test.go
@@ -15,7 +15,9 @@
 package server
 
 import (
+	"bufio"
 	"bytes"
+	"context"
 	"database/sql"
 	"encoding/json"
 	"fmt"
@@ -39,7 +41,11 @@ import (
 	"github.com/pingcap/tidb/kv"
 	tmysql "github.com/pingcap/tidb/parser/mysql"
 	"github.com/pingcap/tidb/testkit"
+	"github.com/pingcap/tidb/testkit/testdata"
 	"github.com/pingcap/tidb/testkit/testenv"
+	"github.com/pingcap/tidb/util/arena"
+	"github.com/pingcap/tidb/util/chunk"
+	"github.com/pingcap/tidb/util/replayer"
 	"github.com/pingcap/tidb/util/versioninfo"
 	"github.com/stretchr/testify/require"
 	"go.uber.org/zap"
@@ -2518,3 +2524,48 @@ func (cli *testServerClient) runTestInfoschemaClientErrors(t *testing.T) {
 		}
 	})
 }
+
+func TestIssue46197(t *testing.T) {
+	store := testkit.CreateMockStore(t)
+	tk := testkit.NewTestKit(t, store)
+	tidbdrv := NewTiDBDriver(store)
+	cfg := newTestConfig()
+	cfg.Port, cfg.Status.StatusPort = 0, 0
+	cfg.Status.ReportStatus = false
+	server, err := NewServer(cfg, tidbdrv)
+	require.NoError(t, err)
+	defer server.Close()
+
+	// Mock the content of the SQL file in PacketIO buffer.
+	// First 4 bytes are the header, followed by the actual content.
+	// This acts like we are sending "select * from t1;" from the client when tidb requests the "a.txt" file.
+	var inBuffer bytes.Buffer
+	_, err = inBuffer.Write([]byte{0x11, 0x00, 0x00, 0x01})
+	require.NoError(t, err)
+	_, err = inBuffer.Write([]byte("select * from t1;"))
+	require.NoError(t, err)
+
+	// clientConn setup
+	brc := newBufferedReadConn(&bytesConn{b: inBuffer})
+	pkt := newPacketIO(brc)
+	pkt.bufWriter = bufio.NewWriter(bytes.NewBuffer(nil))
+	cc := &clientConn{
+		server:     server,
+		alloc:      arena.NewAllocator(1024),
+		chunkAlloc: chunk.NewAllocator(),
+		pkt:        pkt,
+		capability: tmysql.ClientLocalFiles,
+	}
+	ctx := context.Background()
+	cc.setCtx(&TiDBContext{Session: tk.Session(), stmts: make(map[int]*TiDBStatement)})
+
+	tk.MustExec("use test")
+	tk.MustExec("create table t1 (a int, b int)")
+
+	// 3 is mysql.ComQuery, followed by the SQL text.
+	require.NoError(t, cc.dispatch(ctx, []byte("\u0003plan replayer dump explain 'a.txt'")))
+
+	// clean up
+	path := testdata.ConvertRowsToStrings(tk.MustQuery("select @@tidb_last_plan_replayer_token").Rows())
+	require.NoError(t, os.Remove(filepath.Join(replayer.GetPlanReplayerDirName(), path[0])))
+}